USDA Vs. FHA your options comparison in Elizabeth, Union County, NJ
In the year 2026, for Elizabeth within Union county, NJ, the USDA loan limit is set at $0. Meanwhile, the FHA limit for a single-family home is $1,089,300.
Leverage the Lendersa® USDA loan calculator to effectively compare current top rates between USDA and FHA loans. This tool helps determine the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, guiding you to choose the most suitable program in for your financial situation.
2026 Loan Limits and Downpayment Requirements in Elizabeth, Union County, NJ
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Options in Elizabeth, NJ
Lendersa® is focused on securing the best USDA or FHA loan for you efficiently and with ease. Select from three starting strategies that will align you with lenders and USDA loan options.
A USDA home loan, offered by the government Department of Agriculture and also referred to as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans do not require a down payment, making them more attainable for rural home buyers.
The Elizabeth, NJ Firemen’s FCU strives to promote thrift for our members, provide affordable financial services and assist members, who show a desire to improve their financial foundation, and to get through difficulties which may be keeping them from realizing their potential. The Elizabeth, NJ Firemen’s FCU was Chartered in 1936.
Omega Financial Services, Inc. is a full service, Non-Supervised, Multi-State Direct Residential and Commercial Lender and Wholesaler. With over 25 years of experience, Omega’s goal has been to assist clients in owning a home, acquiring a business, or an investment property by offering a wide array of loan programs and giving attention to detail.
At Platinum Mortgage LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
For over 85 years, County Educators FCU has been helping people like you achieve their financial goals. We are proud of the wide range of valuable financial services we offer, from affordable Checking & Savings programs to convenient low-cost lending services. We can offer your employees a great employee benefit at absolutely no cost to you.
The Entertainment Industries Federal Credit Union was established to provide quality financial services to members who share our common bond. We will serve our SEG's and promote community development by providing services toward improving the social and/or economic conditions of low income residents in our field of membership.
Seaport Federal Credit Union is a member owned, not-for-profit financial cooperative institution. We are dedicated to providing quality financial products and services, delivered in a professional, courteous and timely manner. Unlike other types of financial institutions, which need to generate profits in order to satisfy stockholders.
Union County Employees Federal Credit Union offers a savings account, Christmas and Vacation clubs as well as various loans to provide you with an easy way of savings & managing your hard-earned money. The Credit Union provides members with the convenience of having money withdrawn from your paycheck & deposited directly into your savings account.
The Wakefern Federal Credit Union was established in 1962. Our current field of membership includes all Wakefern Food Corporation employees and its wholly-owned subsidiaries, Food Haulers, Inc. National Transport Services Company, all PriceRite store employees as well as ShopRite store employees if their owners have signed up with the Credit Union.
80 West Grand Street, 3rd Floor, Elizabeth, NJ, 07201
Lends in New Jersey
Virtue Funding founder of the edward koster For 25 years Ed's unique style of lending has allowed him to create and deliver flexible products. His goal is to get you the best possible loan option to meet your goals and financial needs.and We take the time to understand your unique needs
